Common use of Examples include Clause in Contracts

Examples include.  A copy of the shipping receipt or shipping label that includes the delivery address, or  For Australia Post eParcel customers, a copy of the consignment information page which shows the delivery address and the online tracking code that can be used to confirm delivery, or  A shipping code PayPal can use online to view the shipping status and delivery address. You can get this from TNT, DHL, FedEx, Xxxxxx Post and other carriers, or  A receipt issued by the carrier, signed by the recipient acknowledging delivery.  Date of delivery and the “delivered” status  An address for the recipient that matches the shipping address on the Transaction Details Page. Intangible Items: The following is required as proof of shipment or delivery for intangible items: For intangible or digital items, proof of shipment or delivery means compelling evidence to show the item was delivered or the purchase order was fulfilled. Compelling evidence could include a system of record showing the date the item was sent and that it was either:  Electronically sent to the recipient, including the recipient’s address (email, IP, etc.), where applicable; or  Received or accessed by the recipient QR Code Transactions: The following is required as proof of shipment or proof of delivery: For QR code transaction you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. Ineligible items and transactions‌ Your sale is not eligible under PayPal’s Seller Protection Policy if:  The buyer claims (either with us or their card issuer) that the item you sent isn’t what was ordered (referred to as a “Significantly Not as Described” claim).  You receive more than one payment for a single transaction.  It involves an item that PayPal determines, in its sole discretion, is a counterfeit item.  It involves activity that we reasonably believe to be fraudulent, whether or not within PayPal’s system, and even if we initially labelled the item as eligible on the transaction details page.  It involves an item that you deliver in person or is picked up from you in person, including in connection with a payment made in your physical store, unless the buyer paid for the item in person by using a QR Code for goods and services transactions.  It involves sales that are not processed either through a buyer’s PayPal account or a PayPal guest checkout transaction. For example, if the sale was made using the PayPal Payments Pro/VT product or PayPal Here, then it is not eligible.  It involves items equivalent to cash including gift cards.  It involves downloadable or streaming content, or a licence for digital content.  It involves a donation.  It relates to the purchase of a financial product or investment of any kind.  It involves a payment sent using PayPal’s Friends And Family functionality.  It involves a payment made using PayPal Payouts or Mass Pay.  The item is a vehicle, including, but not limited to, a motor vehicle, motorcycle, recreational vehicle, aircraft or boat.  It involves a payments made in respect of gold (whether in physical form or in exchange- traded form)

Examples include.  A copy of the shipping receipt or shipping label that includes the delivery address, or  • For Australia Post eParcel customers, a copy of the consignment information page which shows the delivery address and the online tracking code that can be used to confirm delivery, or  • A shipping code PayPal can use online to view the shipping status and delivery address. You can get this from TNT, DHL, FedEx, Xxxxxx Post and other carriers, or  • A receipt issued by the carrier, signed by the recipient acknowledging delivery.  • Date of delivery and the “delivered” status  • An address for the recipient that matches the shipping address on the Transaction Details Page. Intangible Items: The following is required as proof of shipment or delivery for intangible items: For intangible or digital items, proof of shipment or delivery means compelling evidence to show the item was delivered or the purchase order was fulfilled. Compelling evidence could include a system of record showing the date the item was sent and that it was either:  • Electronically sent to the recipient, including the recipient’s address (email, IP, etc.), where applicable; or  • Received or accessed by the recipient QR Code Transactions: The following is required as proof of shipment or proof of delivery: For QR code transaction you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. Ineligible items and transactions‌ Your sale is not eligible under PayPal’s Seller Protection Policy if:  • The buyer claims (either with us or their card issuer) that the item you sent isn’t what was ordered (referred to as a “Significantly Not as Described” claim).  • You receive more than one payment for a single transaction.  • It involves an item that PayPal determines, in its sole discretion, is a counterfeit item.  • It involves activity that we reasonably believe to be fraudulent, whether or not within PayPal’s system, and even if we initially labelled the item as eligible on the transaction details page.  • It involves an item that you deliver in person or is picked up from you in person, including in connection with a payment made in your physical store, unless the buyer paid for the item in person by using a QR Code for goods and services transactions.  • It involves sales that are not processed either through a buyer’s PayPal account or a PayPal guest checkout transaction. For example, if the sale was made using the PayPal Payments Pro/VT product or PayPal Here, then it is not eligible.  • It involves items equivalent to cash including gift cards.  • It involves downloadable or streaming content, or a licence for digital content.  • It involves a donation.  • It relates to the purchase of a financial product or investment of any kind.  • It involves a payment sent using PayPal’s Friends And Family functionality.  • It involves a payment made using PayPal Payouts or Mass Pay.  • The item is a vehicle, including, but not limited to, a motor vehicle, motorcycle, recreational vehicle, aircraft or boat.  • It involves a payments made in respect of gold (whether in physical form or in exchange- traded form)

Examples include.  A copy of the shipping receipt or shipping label that includes the delivery address, or  • For Australia Post eParcel customers, a copy of the consignment information page which shows the delivery address and the online tracking code that can be used to confirm delivery, or  • A shipping code PayPal can use online to view the shipping status and delivery address. You can get this from TNT, You’ll need to provide compelling evidence that the item was delivered or the service was fulfilled. Compelling evidence is any evidence available to prove that your customer received the goods or services, or otherwise benefited from the transaction. Compelling evidence could include a system record showing the date the item was sent and that it was either: • Electronically sent to the recipient; or • Received or accessed by the recipient. Examples include: • An extract of an online booking system for the issuance of tickets; or • An internal system record showing the deployment or retrieval of a digital item. DHL, FedEx, Xxxxxx Post and other carriers, or  • A receipt issued by the carrier, signed by the recipient acknowledging delivery.  Date of delivery and the “delivered” status  An address for the recipient that matches the shipping address on the Transaction Details Page. Intangible Items: The following is required as proof of shipment or delivery for intangible items: For intangible or digital items, proof of shipment or delivery means compelling evidence to show the item was delivered or the purchase order was fulfilled. Compelling evidence could include a system of record showing the date the item was sent and that it was either:  Electronically sent to the recipient, including the recipient’s address (email, IP, etc.), where applicable; or  Received or accessed by the recipient QR Code Transactions: The following is required as proof of shipment or proof of delivery: For QR code transaction you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. Ineligible items and transactions‌ transactions Your sale is not eligible under PayPal’s Seller Protection Policy if:  • The buyer claims (either with us or their card issuer) that the item you sent isn’t what was ordered (referred to as a “Significantly Not as Described” claim).  • You receive more than one payment for a single transaction.  • It involves an item that PayPal determines, in its sole discretion, is a counterfeit item.  • It involves activity that we reasonably believe to be fraudulent, whether or not within PayPal’s system, and even if we initially labelled the item as eligible on the transaction details page.  • It involves an item that you deliver in person or is picked up from you in person, including in connection with a payment made in your physical store, unless the buyer paid for the item in person by using a QR Code for goods and services transactions.  • It involves sales that are not processed either through a buyer’s PayPal account or a PayPal guest checkout transaction. For example, if the sale was made using the PayPal Payments Pro/VT product or PayPal Here, then it is not eligible.  • It involves items equivalent to cash including gift cards.  • It involves downloadable or streaming content, or a licence for digital content.  • It involves a donation.  • It relates to the purchase of a financial product or investment of any kind.  • It involves a payment sent using PayPal’s Friends And Family functionality.  • It involves a payment made using PayPal Payouts or Mass Pay.  • The item is a vehicle, including, but not limited to, a motor vehicle, motorcycle, recreational vehicle, aircraft or boat.  It involves Restricted Activities In connection with your use of our websites, your PayPal account, the PayPal services, or in the course of your interactions with PayPal, other PayPal customers, or third parties, you must not: • Breach this user agreement, the PayPal Acceptable Use Policy, the Commercial Entity Agreements (if they apply to you), or any other agreement between you and PayPal. • Violate any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising). • Infringe PayPal's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy. • Sell counterfeit goods. • Act in a manner that is defamatory, trade libelous, threatening or harassing. • Provide false, inaccurate or misleading information. • Send or receive what we reasonably believe to be potentially fraudulent funds. • Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us. • Attempt to double dip during the course of a dispute by receiving or attempting to receive funds from both PayPal and the seller, bank or card issuer for the same transaction. • Control an account that is linked to another account that has engaged in any of these restricted activities. • Conduct your business or use the PayPal services in a manner that results in or may result in: • complaints; • requests by buyers (either filed with us or card issuers) to invalidate payments made to you; • fees, fines, penalties or other liability or losses to PayPal, other PayPal customers, third parties or you. • Use your PayPal account or the PayPal services in a manner that PayPal, Visa, MasterCard, American Express, Discover or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules. • Allow your PayPal account to have a negative PayPal balance. • Provide yourself a cash advance from your credit card (or help others to do so). • Access the PayPal services from a country that is not included on PayPal's permitted countries list. • Take any action that imposes an unreasonable or disproportionately large load on our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or the PayPal services; • Facilitate any viruses, trojan horses, malware, worms or other computer programming routines that attempts to or may damage, disrupt, corrupt, misuse, detrimentally interfere with, surreptitiously intercept or expropriate, or gain unauthorised access to any system, data, information or PayPal services. • Use an anonymising proxy. • Use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission. • Use any device, software or routine to bypass our robot exclusion headers. • Interfere or disrupt or attempt to interfere with or disrupt our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, any of the PayPal services or other users’ use of any of the PayPal services. • Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers or service providers. • Use the PayPal services to test credit card behaviours. • Circumvent any PayPal policy or determinations about your PayPal account such as temporary or indefinite suspensions or other account holds, limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to create new or additional PayPal account(s) when an account has a negative PayPal balance or has been restricted, suspended or otherwise limited; opening new or additional PayPal accounts using information that is not your own (e.g. name, address, email address, etc.); or using someone else’s PayPal account. • Harass and/or threaten our employees, agents, or other users. Actions We May Take if You Engage in Any Restricted Activities If we believe that you’ve engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion acting reasonably. The actions we may take include, but are not limited to the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account immediately and without penalty to us. • Refuse to provide the PayPal services to you in the future. • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send money with any of the payment methods linked to your PayPal account, restricting your ability to send money or make withdrawals. • Hold your PayPal balance for up to 180 days if reasonably needed to protect against the risk of liability or if you have violated our Acceptable Use Policy. • Suspend your eligibility for PayPal’s Buyer Protection Policy and/or PayPal’s Seller Protection Policy. • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions. • Update inaccurate information you provided us. • Take legal action against you. • If you’ve violated our Acceptable Use Policy, then you’re also responsible for damages to PayPal caused by your violation of this policy. If we close your PayPal account or terminate your use of the PayPal services for any reason, we’ll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this agreement, and/or your use of the PayPal services. We may refuse to process a payment if we believe there is a risk associated with it or if it breaches any law or regulation. For example, we may refuse to process a payment: • Sent to a person or country sanctioned by the United Nations, the United States government or Australian government; or • Where we believe there is a legal or regulatory risk or a risk of loss being suffered by us or our users. Holds, Limitations, and Reserves General information about holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. Unless otherwise set out below, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of gold risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. We hold funds to review and mitigate any actual or reasonably anticipated risk to us or our users. In what ways may we hold funds? Funds may be held in one or more of the following ways: • Transaction holds - Specific transactions may be held, such as if your buyer disputes the payment in one of the Refunds, Reversals and Chargebacks situations; • Release amounts - Funds you receive may be subject to a release amount; • Reserves - Funds you receive may be subject to a reserve; and • Account limitations - Your access to funds may be restricted because your account has been limited. When do we hold funds? We hold funds when: • We need to ensure the integrity of a transaction; • We believe that there’s a risk associated with you or your account; • You receive a dispute, claim, chargeback or reversal in relation to any funds received into your account; • A marketplace or third party application where PayPal is offered requests that we do so (whether in physical form if you have questions about why the marketplaces requested the hold, you will need to contact the marketplace or in exchange- traded formthird party directly); • You do not meet certain seller or risk standards when listing on eBay; • You are a new seller or have a limited history with eBay; or • We need to comply with the law. What do we consider before holding funds? Before holding funds, we consider a number of factors, including information available to us from both internal sources and third parties, such as: • Information you provide us, such as your business history and financial details; • Publicly available information; • Your industry; • Your selling activity; • Past disputes or dissatisfaction of your customers; • Information we receive from related third parties; • Whether the funds are related to an irregular or unusual transaction; and • Other related information. The more you use your account, the more we know about your activity. As such, our risk assessment may change and we may increase or decrease the amount of funds we hold based on that changed assessment. How long do we hold funds? For transaction holds and release amounts: Funds are usually held for up to 21 days from the date the payment was received into your PayPal account. Funds may be held for longer than 21 days if: • We believe that the increased risk associated with you or your account remains after 21 days; • If you are a seller, we expect the delivery time of your goods or services to be longer than 21 days; • You receive a dispute, claim, chargeback or reversal relating to the transaction subject to the hold; and/or • We have taken another action permitted by this agreement, such as when you are required to verify your identity. We may release a hold earlier than 21 days where we reasonably believe that the relevant transaction has successfully completed. Any earlier release is at our sole discretion. Funds held for buyer disputes may not be released until we consider the dispute resolved (but no longer than 180 days).

Examples include.  A copy of the shipping receipt or shipping label that includes the delivery address, or  • For Australia Post eParcel customers, a copy of the consignment information page which shows the delivery address and the online tracking code that can be used to confirm delivery, or  • A shipping code PayPal can use online to view the shipping status and delivery address. You can get this from TNT, You’ll need to provide compelling evidence that the item was delivered or the service was fulfilled. Compelling evidence is any evidence available to prove that your customer received the goods or services, or otherwise benefited from the transaction. Compelling evidence could include a system record showing the date the item was sent and that it was either: • Electronically sent to the recipient; or • Received or accessed by the recipient. Examples include: • An extract of an online booking system for the issuance of tickets; or • An internal system record showing the deployment or retrieval of a digital item. • DHL, FedEx, Xxxxxx Post and other carriers, or  • A receipt issued by the carrier, signed by the recipient acknowledging delivery.  Date of delivery and the “delivered” status  An address for the recipient that matches the shipping address on the Transaction Details Page. Intangible Items: The following is required as proof of shipment or delivery for intangible items: For intangible or digital items, proof of shipment or delivery means compelling evidence to show the item was delivered or the purchase order was fulfilled. Compelling evidence could include a system of record showing the date the item was sent and that it was either:  Electronically sent to the recipient, including the recipient’s address (email, IP, etc.), where applicable; or  Received or accessed by the recipient QR Code Transactions: The following is required as proof of shipment or proof of delivery: For QR code transaction you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. Ineligible items and transactions‌ transactions Your sale is not eligible under PayPal’s Seller Protection Policy if:  • The buyer claims (either with us or their card issuer) that the item you sent isn’t what was ordered (referred to as a “Significantly Not as Described” claim).  • You receive more than one payment for a single transaction.  • It involves an item that PayPal determines, in its sole discretion, is a counterfeit item.  • It involves activity that we reasonably believe to be fraudulent, whether or not within PayPal’s system, and even if we initially labelled the item as eligible on the transaction details page.  • It involves an item that you deliver in person or is picked up from you in person, including in connection with a payment made in your physical store, unless the buyer paid for the item in person by using a QR Code for goods and services transactions.  • It involves sales that are not processed either through a buyer’s PayPal account or a PayPal guest checkout transaction. For example, if the sale was made using the PayPal Payments Pro/VT product or PayPal Here, then it is not eligible.  • It involves items equivalent to cash including gift cards.  • It involves downloadable or streaming content, or a licence for digital content.  • It involves a donation.  • It relates to the purchase of a financial product or investment of any kind.  • It involves a payment sent using PayPal’s Friends And Family functionality.  • It involves a payment made using PayPal Payouts or Mass Pay.  • The item is a vehicle, including, but not limited to, a motor vehicle, motorcycle, recreational vehicle, aircraft or boat.  It involves Restricted Activities In connection with your use of our websites, your PayPal account, the PayPal services, or in the course of your interactions with PayPal, other PayPal customers, or third parties, you must not: Breach this user agreement, the PayPal Acceptable Use Policy, the Commercial Entity Agreements (if they apply to you), or any other agreement between you and PayPal. • Violate any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising). • Infringe PayPal's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy. • Sell counterfeit goods. • Act in a manner that is defamatory, trade libelous, threatening or harassing. • Provide false, inaccurate or misleading information. • Send or receive what we reasonably believe to be potentially fraudulent funds. • Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us. • Attempt to double dip during the course of a dispute by receiving or attempting to receive funds from both PayPal and the seller, bank or card issuer for the same transaction. • Control an account that is linked to another account that has engaged in any of these restricted activities. • Conduct your business or use the PayPal services in a manner that results in or may result in: • complaints; • requests by buyers (either filed with us or card issuers) to invalidate payments made to you; • fees, fines, penalties or other liability or losses to PayPal, other PayPal customers, third parties or you. • Use your PayPal account or the PayPal services in a manner that PayPal, Visa, MasterCard, American Express, Discover or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules. • Allow your PayPal account to have a negative PayPal balance. • • Provide yourself a cash advance from your credit card (or help others to do so). • Access the PayPal services from a country that is not included on PayPal's permitted countries list. • Take any action that imposes an unreasonable or disproportionately large load on our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or the PayPal services; • Facilitate any viruses, trojan horses, malware, worms or other computer programming routines that attempts to or may damage, disrupt, corrupt, misuse, detrimentally interfere with, surreptitiously intercept or expropriate, or gain unauthorised access to any system, data, information or PayPal services. • Use an anonymising proxy. • Use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission. • Use any device, software or routine to bypass our robot exclusion headers. • Interfere or disrupt or attempt to interfere with or disrupt our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, any of the PayPal services or other users’ use of any of the PayPal services. • Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers or service providers. • Use the PayPal services to test credit card behaviours. • Circumvent any PayPal policy or determinations about your PayPal account such as temporary or indefinite suspensions or other account holds, limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to create new or additional PayPal account(s) when an account has a negative PayPal balance or has been restricted, suspended or otherwise limited; opening new or additional PayPal accounts using information that is not your own (e.g. name, address, email address, etc.); or using someone else’s PayPal account. • Harass and/or threaten our employees, agents, or other users. Actions We May Take if You Engage in Any Restricted Activities If we believe that you’ve engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion acting reasonably. The actions we may take include, but are not limited to the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account immediately and without penalty to us. • Refuse to provide the PayPal services to you in the future. • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send money with any of the payment methods linked to your PayPal account, restricting your ability to send money or make withdrawals. Hold your PayPal balance for up to 180 days if reasonably needed to protect against the risk of liability or if you have violated our Acceptable Use Policy. • Suspend your eligibility for PayPal’s Buyer Protection Policy and/or PayPal’s Seller Protection Policy. • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions. • Update inaccurate information you provided us. • Take legal action against you. • If you’ve violated our Acceptable Use Policy, then you’re also responsible for damages to PayPal caused by your violation of this policy. If we close your PayPal account or terminate your use of the PayPal services for any reason, we’ll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this agreement, and/or your use of the PayPal services. We may refuse to process a payment if we believe there is a risk associated with it or if it breaches any law or regulation. For example, we may refuse to process a payment: • Sent to a person or country sanctioned by the United Nations, the United States government or Australian government; or • Where we believe there is a legal or regulatory risk or a risk of loss being suffered by us or our users. Holds, Limitations, and Reserves General information about holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. Unless otherwise set out below, if we take any of the actions described here, we’ll provide you with notice of our • actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of gold risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. We hold funds to review and mitigate any actual or reasonably anticipated risk to us or our users. In what ways may we hold funds? Funds may be held in one or more of the following ways: • Transaction holds - Specific transactions may be held, such as if your buyer disputes the payment in one of the Refunds, Reversals and Chargebacks situations; • Release amounts - Funds you receive may be subject to a release amount; • Reserves - Funds you receive may be subject to a reserve; and • Account limitations - Your access to funds may be restricted because your account has been limited. When do we hold funds? We hold funds when: • We need to ensure the integrity of a transaction; • We believe that there’s a risk associated with you or your account; • You receive a dispute, claim, chargeback or reversal in relation to any funds received into your account; • A marketplace or third party application where PayPal is offered requests that we do so (whether in physical form if you have questions about why the marketplaces requested the hold, you will need to contact the marketplace or in exchange- traded formthird party directly); • You do not meet certain seller or risk standards when listing on eBay; • You are a new seller or have a limited history with eBay; or • We need to comply with the law. What do we consider before holding funds? Before holding funds, we consider a number of factors, including information available to us from both internal sources and third parties, such as: • Information you provide us, such as your business history and financial details; • Publicly available information; • Your industry; • Your selling activity; • Past disputes or dissatisfaction of your customers; • Information we receive from related third parties; Whether the funds are related to an irregular or unusual transaction; and • Other related information. The more you use your account, the more we know about your activity. As such, our risk assessment may change and we may increase or decrease the amount of funds we hold based on that changed assessment. How long do we hold funds? For transaction holds and release amounts: Funds are usually held for up to 21 days from the date the payment was received into your PayPal account. Funds may be held for longer than 21 days if: • We believe that the increased risk associated with you or your account remains after 21 days; • If you are a seller, we expect the delivery time of your goods or services to be longer than 21 days; • You receive a dispute, claim, chargeback or reversal relating to the transaction subject to the hold; and/or • We have taken another action permitted by this agreement, such as when you are required to verify your identity. We may release a hold earlier than 21 days where we reasonably believe that the relevant transaction has successfully completed. Any earlier release is at our sole discretion. Funds held for buyer disputes may not be released until we consider the dispute resolved (but no longer than 180 days).

Examples include.  A copy of the shipping receipt or shipping label that includes the delivery address, or  • For Australia Post eParcel customers, a copy of the consignment information page which shows the delivery address and the online tracking code that can be used to confirm delivery, or  • A shipping code PayPal can use online to view the shipping status and delivery address. You can get this from TNT, DHL, FedEx, Xxxxxx Post and other carriers, or  • A receipt issued by the carrier, signed by the recipient acknowledging delivery.  Date of delivery and goods or services, or otherwise benefited from the “delivered” status  An address for the recipient that matches the shipping address on the Transaction Details Page. Intangible Items: The following is required as proof of shipment or delivery for intangible items: For intangible or digital items, proof of shipment or delivery means compelling evidence to show the item was delivered or the purchase order was fulfilledtransaction. Compelling evidence could include a system of record showing the date the item was sent and that it was either:  • Electronically sent to the recipient, including the recipient’s address (email, IP, etc.), where applicable; or  • Received or accessed by the recipient QR Code Transactionsrecipient. Examples include: The following is required as proof • An extract of shipment an online booking system for the issuance of tickets; or proof • An internal system record showing the deployment or retrieval of delivery: For QR code transaction you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transactiona digital item. Ineligible items and transactions‌ transactions Your sale is not eligible under PayPal’s Seller Protection Policy if:  • The buyer claims (either with us or their card issuer) that the item you sent isn’t what was ordered (referred to as a “Significantly Not as Described” claim).  • You receive more than one payment for a single transaction.  • It involves an item that PayPal determines, in its sole discretion, is a counterfeit item.  • It involves activity that we reasonably believe to be fraudulent, whether or not within PayPal’s system, and even if we initially labelled the item as eligible on the transaction details page.  • It involves an item that you deliver in person or is picked up from you in person, including in connection with a payment made in your physical store, unless the buyer paid for the item in person by using a QR Code for goods and services transactions.  • It involves sales that are not processed either through a buyer’s PayPal account or a PayPal guest checkout transaction. For example, if the sale was made using the PayPal Payments Pro/VT product or PayPal Here, then it is not eligible.  • It involves items equivalent to cash including gift cards.  • It involves downloadable or streaming content, or a licence for digital content.  • It involves a donation.  • It relates to the purchase of a financial product or investment of any kind.  • It involves a payment sent using PayPal’s Friends And Family functionality.  • It involves a payment made using PayPal Payouts or Mass Pay.  • The item is a vehicle, including, but not limited to, a motor vehicle, motorcycle, recreational vehicle, aircraft or boat.  It involves Restricted Activities In connection with your use of our websites, your PayPal account, the PayPal services, or in the course of your interactions with PayPal, other PayPal customers, or third parties, you must not: • Breach this user agreement, the PayPal Acceptable Use Policy, the Commercial Entity Agreements (if they apply to you), or any other agreement between you and PayPal. • Violate any law, statute, ordinance, or regulation (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising). • Infringe PayPal's or any third party's copyright, patent, trademark, trade secret or other intellectual property rights, or rights of publicity or privacy. • Sell counterfeit goods. • Act in a manner that is defamatory, trade libelous, threatening or harassing. • Provide false, inaccurate or misleading information. • Send or receive what we reasonably believe to be potentially fraudulent funds. • • Refuse to cooperate in an investigation or provide confirmation of your identity or any information you provide to us. Attempt to double dip during the course of a dispute by receiving or attempting to receive funds from both PayPal and the seller, bank or card issuer for the same transaction. • Control an account that is linked to another account that has engaged in any of these restricted activities. • Conduct your business or use the PayPal services in a manner that results in or may result in: • complaints; • requests by buyers (either filed with us or card issuers) to invalidate payments made to you; • fees, fines, penalties or other liability or losses to PayPal, other PayPal customers, third parties or you. • Use your PayPal account or the PayPal services in a manner that PayPal, Visa, MasterCard, American Express, Discover or any other electronic funds transfer network reasonably believes to be an abuse of the card system or a violation of card association or network rules. • Allow your PayPal account to have a negative PayPal balance. • Provide yourself a cash advance from your credit card (or help others to do so). • Access the PayPal services from a country that is not included on PayPal's permitted countries list. • Take any action that imposes an unreasonable or disproportionately large load on our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf or the PayPal services; • Facilitate any viruses, trojan horses, malware, worms or other computer programming routines that attempts to or may damage, disrupt, corrupt, misuse, detrimentally interfere with, surreptitiously intercept or expropriate, or gain unauthorised access to any system, data, information or PayPal services. • Use an anonymising proxy. • Use any robot, spider, other automatic device, or manual process to monitor or copy our websites without our prior written permission. • Use any device, software or routine to bypass our robot exclusion headers. • Interfere or disrupt or attempt to interfere with or disrupt our websites, software, systems (including any networks and servers used to provide any of the PayPal • services) operated by us or on our behalf, any of the PayPal services or other users’ use of any of the PayPal services. • Take any action that may cause us to lose any of the services from our Internet service providers, payment processors, or other suppliers or service providers. Use the PayPal services to test credit card behaviours. • Circumvent any PayPal policy or determinations about your PayPal account such as temporary or indefinite suspensions or other account holds, limitations or restrictions, including, but not limited to, engaging in the following actions: attempting to create new or additional PayPal account(s) when an account has a negative PayPal balance or has been restricted, suspended or otherwise limited; opening new or additional PayPal accounts using information that is not your own (e.g. name, address, email address, etc.); or using someone else’s PayPal account. • Harass and/or threaten our employees, agents, or other users. Actions We May Take if You Engage in Any Restricted Activities If we believe that you’ve engaged in any of these activities, we may take a number of actions to protect PayPal, its customers and others at any time in our sole discretion acting reasonably. The actions we may take include, but are not limited to the following: • Terminate this user agreement, limit your PayPal account, and/or close or suspend your PayPal account immediately and without penalty to us. • Refuse to provide the PayPal services to you in the future. • Limit your access to our websites, software, systems (including any networks and servers used to provide any of the PayPal services) operated by us or on our behalf, your PayPal account or any of the PayPal services, including limiting your ability to pay or send money with any of the payment methods linked to your PayPal account, restricting your ability to send money or make withdrawals. • Hold your PayPal balance for up to 180 days if reasonably needed to protect against the risk of liability or if you have violated our Acceptable Use Policy. • Suspend your eligibility for PayPal’s Buyer Protection Policy and/or PayPal’s Seller Protection Policy. • Contact buyers who have purchased goods or services from you using PayPal, your bank or credit card issuer, other impacted third parties or law enforcement about your actions. • Update inaccurate information you provided us. • Take legal action against you. • • If you’ve violated our Acceptable Use Policy, then you’re also responsible for damages to PayPal caused by your violation of this policy. If we close your PayPal account or terminate your use of the PayPal services for any reason, we’ll provide you with notice of our actions and make any unrestricted funds held in your PayPal account available for withdrawal. You are responsible for all reversals, chargebacks, claims, fees, fines, penalties and other liability incurred by PayPal, any PayPal customer, or a third party caused by or arising out of your breach of this agreement, and/or your use of the PayPal services. We may refuse to process a payment if we believe there is a risk associated with it or if it breaches any law or regulation. For example, we may refuse to process a payment: • Sent to a person or country sanctioned by the United Nations, the United States government or Australian government; or • Where we believe there is a legal or regulatory risk or a risk of loss being suffered by us or our users. Holds, Limitations, and Reserves General information about holds, limitations and reserves Under certain circumstances, in order to protect PayPal and the security and integrity of the network of buyers and sellers that use the PayPal services, PayPal may take account-level or transaction-level actions. Unless otherwise set out below, if we take any of the actions described here, we’ll provide you with notice of our actions, but we retain the sole discretion to take these actions. To request information in connection with an account limitation, hold or reserve, you should visit the Resolution Centre or follow the instructions in our email notice with respect to the limitation, hold or reserve. Our decision about holds, limitations and reserves may be based on confidential criteria that are essential to our management of gold risk and the protection of PayPal, our customers and/or service providers. We may use proprietary fraud and risk modeling when assessing the risk associated with your PayPal account. In addition, we may be restricted by regulation or a governmental authority from disclosing certain information to you about such decisions. We have no obligation to disclose the details of our risk management or security procedures to you. We hold funds to review and mitigate any actual or reasonably anticipated risk to us or our users. In what ways may we hold funds? Funds may be held in one or more of the following ways: • Transaction holds - Specific transactions may be held, such as if your buyer disputes the payment in one of the Refunds, Reversals and Chargebacks situations; • Release amounts - Funds you receive may be subject to a release amount; • Reserves - Funds you receive may be subject to a reserve; and • Account limitations - Your access to funds may be restricted because your account has been limited. When do we hold funds? We hold funds when: • We need to ensure the integrity of a transaction; • We believe that there’s a risk associated with you or your account; • You receive a dispute, claim, chargeback or reversal in relation to any funds received into your account; • A marketplace or third party application where PayPal is offered requests that we do so (whether in physical form if you have questions about why the marketplaces requested the hold, you will need to contact the marketplace or in exchange- traded formthird party directly); • You do not meet certain seller or risk standards when listing on eBay; • You are a new seller or have a limited history with eBay; or • We need to comply with the law. What do we consider before holding funds? Before holding funds, we consider a number of factors, including information available to us from both internal sources and third parties, such as: • Information you provide us, such as your business history and financial details; • Publicly available information; • Your industry; • Your selling activity; • Past disputes or dissatisfaction of your customers; • Information we receive from related third parties; • Whether the funds are related to an irregular or unusual transaction; and • Other related information. The more you use your account, the more we know about your activity. As such, our risk assessment may change and we may increase or decrease the amount of funds we hold based on that changed assessment. How long do we hold funds? For transaction holds and release amounts: Funds are usually held for up to 21 days from the date the payment was received into your PayPal account. Funds may be held for longer than 21 days if: • We believe that the increased risk associated with you or your account remains after 21 days; • If you are a seller, we expect the delivery time of your goods or services to be longer than 21 days; • You receive a dispute, claim, chargeback or reversal relating to the transaction subject to the hold; and/or • We have taken another action permitted by this agreement, such as when you are required to verify your identity. We may release a hold earlier than 21 days where we reasonably believe that the relevant transaction has successfully completed. Any earlier release is at our sole discretion. Funds held for buyer disputes may not be released until we consider the dispute resolved (but no longer than 180 days).

Examples include.  A copy of the shipping receipt or shipping label that includes the delivery address, or  • For Australia Post eParcel customers, a copy of the consignment information page which shows the delivery address and the online tracking code that can be used to confirm delivery, or  • A shipping code PayPal can use online to view the shipping status and delivery address. You can get this from TNT, DHL, FedEx, Xxxxxx Post and other carriers, or  You’ll need to provide compelling evidence that the item was delivered or the service fulfilled. Compelling evidence is any evidence available to prove that your customer received the goods or services, or otherwise benefited from the transaction. Compelling evidence could include a system record showing the date the item was sent and that it was either: • Electronically sent to the recipient, or • Received or accessed by the recipient. Examples include: • An extract of an online booking system for the issuance of tickets, or • An internal system record showing the deployment or retrieval of a digital item. • A receipt issued by the carrier, signed by the recipient acknowledging delivery.  Date of delivery and the “delivered” status  An address for the recipient that matches the shipping address on the Transaction Details Page. Intangible Items: The following is required as proof of shipment or delivery for intangible items: For intangible or digital items, proof of shipment or delivery means compelling evidence to show the item was delivered or the purchase order was fulfilled. Compelling evidence could include a system of record showing the date the item was sent and that it was either:  Electronically sent to the recipient, including the recipient’s address (email, IP, etc.), where applicable; or  Received or accessed by the recipient QR Code Transactions: The following is required as proof of shipment or proof of delivery: For QR code transaction you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transaction. Ineligible items and transactions‌ transactions Your sale is not eligible under PayPal’s Seller Protection Policy if:  • The buyer claims (either with us or their card issuer) that the item you sent isn’t what was ordered (referred to as a “Significantly Not as Described” claim).  • You receive more than one payment for a single transaction.  • It involves an item that PayPal determines, in its sole discretion, is a counterfeit item.  • It involves activity that we reasonably believe to be fraudulent, whether or not within PayPal’s system, and even if we initially labelled the item as eligible on the transaction details page.  • It involves an item that you deliver in person or is picked up from you in person, including in connection with a payment made in your physical store, unless the buyer paid for the item in person by using a QR Code for goods and services transactions.  • It involves sales that are not processed either through a buyer’s PayPal account or a PayPal guest checkout transaction. For example, if the sale was made using the PayPal Payments Pro/VT product or PayPal Here, then it is not eligible.  • It involves items equivalent to cash including gift cards.  • It involves downloadable or streaming content, or a licence for digital content.  content • It involves a donation.  • It relates to the purchase of a financial product or investment of any kind.  • It involves a payment sent using PayPal’s Friends And Family friends and family functionality.  • It involves a payment made using PayPal Payouts or Mass Pay.  • The item is a vehicle, including, but not limited to, to a motor vehicle, motorcycle, recreational vehicle, aircraft or boat.  It involves a payments made in respect of gold (whether in physical form or in exchange- traded form).

Examples include.  A copy of the shipping receipt or shipping label that includes the delivery address, or  • For Australia Post eParcel customers, a copy of the consignment information page which shows the delivery address and the online tracking code that can be used to confirm delivery, or  • A shipping code PayPal can use online to view the shipping status and delivery address. You can get this from TNT, DHL, FedEx, Xxxxxx Post and other carriers, or  • A receipt issued by the carrier, signed by the recipient acknowledging delivery.  Date of delivery and the “delivered” status  An address for the recipient that matches the shipping address on the Transaction Details Page. Intangible Items: The following is required as proof of shipment or delivery for intangible items: For intangible or digital items, proof of shipment or delivery means compelling evidence to show the item was delivered or the purchase order was fulfilled. Compelling evidence could include a system of record showing the date the item was sent and that it was either:  • Electronically sent to the recipient, including the recipient’s address (email, IP, etc.), where applicable; or  • Received or accessed by the recipient QR Code Transactionsrecipient. Examples include: The following is required as proof • An extract of shipment an online booking system for the issuance of tickets; or proof • An internal system record showing the deployment or retrieval of delivery: For QR code transaction you may be required to provide us with alternative evidence of delivery, or such additional documentation or information relating to the transactiona digital item. Ineligible items and transactions‌ transactions Your sale is not eligible under PayPal’s Seller Protection Policy if:  • The buyer claims (either with us or their card issuer) that the item you sent isn’t what was ordered (referred to as a “Significantly Not as Described” claim).  • You receive more than one payment for a single transaction.  • It involves an item that PayPal determines, in its sole discretion, is a counterfeit item.  • It involves activity that we reasonably believe to be fraudulent, whether or not within PayPal’s system, and even if we initially labelled the item as eligible on the transaction details page.  • It involves an item that you deliver in person or is picked up from you in person, including in connection with a payment made in your physical store, unless the buyer paid for the item in person by using a QR Code for goods and services transactions.  • It involves sales that are not processed either through a buyer’s PayPal account or a PayPal guest checkout transaction. For example, if the sale was made using the PayPal Payments Pro/VT product or PayPal Here, then it is not eligible.  • It involves items equivalent to cash including gift cards.  • It involves downloadable or streaming content, or a licence for digital content.  • It involves a donation.  • It relates to the purchase of a financial product or investment of any kind.  • It involves a payment sent using PayPal’s Friends And Family functionality.  • It involves a payment made using PayPal Payouts or Mass Pay.  • The item is a vehicle, including, but not limited to, a motor vehicle, motorcycle, recreational vehicle, aircraft or boat.  It involves a payments made in respect of gold (whether in physical form or in exchange- traded form).